Share Certificates

Share Certificate Specials⁴
$1,000 Minimum – Penalty for Early Withdrawal

Certificate Term
7 months
10 months
15 months
18 months Step-up²
25 months
37 months
41 months Step-up²
Dividend Rate
0.40%
0.45%
0.50%
0.65%
0.50%
0.65%
0.90%
APY¹
0.40%
0.45%
0.50%
0.65%
0.50%
0.65%
0.90%

JUMBO Certificates⁴
$100,000 Minimum – Penalty for Early Withdrawal
Share Certificate Specials

Certificate Term
7 months
10 months
15 months
18 months Step-up²
25 months
37 months
41 months Step-up²
Dividend Rate
0.50%
0.55%
0.65%
0.75%
0.60%
0.75%
0.95%
APY¹
0.50%
0.55%
0.65%
0.75%
0.60%
0.75%
0.95%

Share Certificates⁴
$1,000 – Penalty for Early Withdrawl

Certificate Term
3 months
6 months
12 months
24 months
30 months
36 months
48 months
60 months
36 months Step-up²
60 month Step-up²
Dividend Rate
0.25%
0.40%
0.40%
0.50%
0.65%
0.80%
0.90%
0.95%
0.65%
0.95%
APY¹
0.25%
0.40%
0.40%
0.50%
0.55%
0.65%
0.90%
0.95%
0.65%
0.95%

Youth Certificates⁴
$100 Min. $30,000 Max. – Penalty for Early Withdrawal

Certificate Term
3 Months Add-On³
Dividend Rate
0.70%
APY¹
0.70%

Share Accounts

Annual Percentage Yields (APY) on Share Accounts are accurate as of the last dividend declarations date of 2/16/2021

(S1) Share savings
Min. to earn Dividend
$100
Dividend Rate
0.20%
APY¹
0.20%
(S3) Secondary Savings
Min. to earn Dividend
$100
Dividend Rate
0.20%
APY¹
0.20%
(S7) Share Draft (Checking)
Min. to earn Dividend
$500
Dividend Rate
0.05%
APY¹
0.05%
(S4) Christmas Club⁵
Min. to earn Dividend
$5
Dividend Rate
0.20%
APY¹
0.20%
(S8) Vacation Club⁵
Min. to earn Dividend
$5
Dividend Rate
0.20%
APY¹
0.20%
(s5) ira shares⁶
Min. to earn Dividend
$100
Dividend Rate
0.25%
APY¹
0.25%
(s10) roth ira shares⁶
Min. to earn Dividend
$100
Dividend Rate
0.25%
APY¹
0.25%
(s15) education ira shares⁶
Min. to earn Dividend
$100
Dividend Rate
0.25%
APY¹
0.25%
(s25) Health savings account⁶
Min. to earn Dividend
$100
Dividend Rate
0.75%
APY¹
0.75%
(s9) Youth Account
Min. to earn Dividend
$5
Dividend Rate
0.20%
APY¹
0.20%
(s13) Teen Account
Min. to earn Dividend
$5
Dividend Rate
0.20%
APY¹
0.20%
(S2) DID Account⁷
Min. to earn Dividend
$50
Dividend Rate
0.25%
APY¹
0.25%
(S11) Share Plus⁷
Min. to earn Dividend
$50
Dividend Rate
0.25%
APY¹
0.25%
(S21) Super Money Market⁷
Min. to earn Dividend
$1,000 - $24,999.99
Dividend Rate
0.30%
APY¹
0.30%
(S21) Super Money Market⁷
Min. to earn Dividend
$25,000 - $49,999.99
Dividend Rate
0.35%
APY¹
0.35%
(S21) Super Money Market⁷
Min. to earn Dividend
$50,000 - $99,999.99
Dividend Rate
0.60%
APY¹
0.60%
(S21) Super Money Market⁷
Min. to earn Dividend
$100,00 - $249,999.99
Dividend Rate
0.75%
APY¹
0.75%
(S21) Super Money Market⁷
Min. to earn Dividend
$250,000+
Dividend Rate
0.90%
APY¹
0.90%

Home Equity Loans

Check with a CFCCU Loan Officer for exciting new options.

Home Equity Line of Credit⁷

Open End HELOC
APY¹
3.50%

Home Equity Loans Closed End⁷

Loan Term
5 Year (60 Month)
10 year (120 month)
5.5 year balloon (66/180)
7 year balloon (84/180)
10 year balloon (120/180)
APY¹
3.45%
3.24%
4.00%
4.25%
4.45%

Auto Loan Rates

New Vehicle Loans
2019 & newer with 20,000 miles or less

Loan Term
48 months
60 months
66 months
72 months
84 months
APY¹
2.25%
2.49%
2.49%
2.74%
3.14%

Used Vehicles
2018 & newer with over 20,000 miles

Loan Term
48 months
60 months
66 months
APY¹
2.74%
2.74%
2.74%

Used Vehicles
2017 Model Year

Loan Term
48 months
60 months
66 months
APY¹
2.89%
2.89%
2.89%

Used Vehicles
2016 Model Year

Loan Term
48 months
60 months
APY¹
2.99%
2.99%

Used Vehicles
2015 Model Year

Loan Term
48 months
60 months
APY¹
3.39%
3.39%

Used Vehicles
2014 Model Year

Loan Term
36 months
48 months
APY¹
3.39%
3.39%

Used Vehicles
2013 Model Year

Loan Term
36 months
48 months
APY¹
3.54%
3.54%

Used Vehicles
2012 Model Year

LoanTerm
36 months
48 months
APY¹
3.54%
3.54%

Used Vehicles
2011 and Older Model Year

Loan Term
36 months
48 months
APY¹
6.64%
6.89%

Consumer Goods

Includes: fold-down campers, garden tractors, mopeds, scooters, computers, household good, and appliances 

New Consumer Goods

Loan Term
36 months
48 months
20% Down
6.15%
7.15%
0% Down
7.15%
8.15%

Used Consumer Goods

Loan Term
24 months
36 months
Wholesale
7.65%
8.65%
Retail
8.65%
9.65%

Recreation Loans

Includes: off road motorcycles, UTV’s, ATV’s jet skis w/trailers, and snowmobiles

New 2019 & Newer Model Year

Loan Term
72 Months
APY¹
5.54%

2015-2016 Model Year

Loan Term
48 Months
APY¹
6.14%

2017-2018 Model Year

Loan Term
60 Months
APY¹
5.79%

2014 & Older Model Year

Loan Term
36 Months
APY¹
6.85%

Personal Loans

Loan Term
12 months
24 months
36 Months
48 months
60 months
APY¹
6.25%
7.25%
8.25%
8.75%
9.25%

¹ APY – The Annual Percentage Rate is a variable rate and is subject to change without notice.
² Members can “Step-Up” the rate one time during the term of the certificate to the rate being paid on regular certificates of similar terms.
³ Only available for members under age 18. Member may add to certificate balance at any time.
⁴ Fees may reduce earnings on Share Certificates
⁵ Fees may reduce earnings on Club Accounts
⁶ Fees may reduce earnings on IRA & HSA Accounts
⁷ Fees may reduce earnings on S2, S11 & s21 Accounts